EZCORP, INC. (EZPW) FY2026 YTD Q3 Statement of Cash Flows

Income StatementCash FlowBalance Sheet

Statement of Cash Flows

2025-10-01 to 2026-06-30

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EZCORP, INC. cash flow reconciliation, Oct 1, 2025 through Jun 30, 2026One connected Sankey reconciles operating, investing and financing net cash flows through a shared cash pool, from beginning cash to ending cash. Ribbons flow left to right on one dollar scale. Activity totals are dark gray; beginning and ending cash are blue. Cash basis for beginning and ending balances and net cash change: Cash, cash equivalents, and restricted cash. Intermediate calculation bars are lighter gray. Net income is green for profit and red for loss. Identified asset purchases, sales and maturities are blue in either cash direction. Orange marks positive customer-advance and deferred-revenue changes that add to operating cash in the reconciliation. These are net changes, not gross customer receipts. Negative changes are neutral reconciliation adjustments; they do not by themselves identify cash payments. Purple identifies capital transactions such as borrowing, repayments, share issuance and dividends. Free cash flow is a separate comparison, not an added cash flow. Read chart description and values below for full signed amounts, including zero items.Net income → Net cash from operating activities: $130,388,000.00Net income → Operating adjustments reconciliation: $1,994,000.00Non-cash lease expense → Operating adjustments reconciliation: $51,276,000.00Depreciation and amortization → Operating adjustments reconciliation: $27,994,000.00Stock compensation expense → Operating adjustments reconciliation: $12,644,000.00Customer layaway deposits → Operating adjustments reconciliation: $6,282,000.00Amortization of deferred financing costs → Operating adjustments reconciliation: $1,419,000.00Prepaid expenses, other current assets and other assets → Operating adjustments reconciliation: $1,086,000.00Deferred income taxes → Operating adjustments reconciliation: $1,000.00Operating adjustments reconciliation → Accounts payable, accrued expenses and other liabilities: $70,766,000.00Operating adjustments reconciliation → Inventory: $15,471,000.00Operating adjustments reconciliation → Income taxes: $5,729,000.00Operating adjustments reconciliation → Equity in net income from investment in unconsolidated affiliates: $4,884,000.00Operating adjustments reconciliation → Pawn service charges receivable: $2,697,000.00Operating adjustments reconciliation → Gain from remeasurement of previously held equity interest: $1,596,000.00Operating adjustments reconciliation → Other adjustments: $873,000.00Operating adjustments reconciliation → Provision for inventory reserve: $680,000.00Loans repaid → investing reconciliation: $535,597,000.00Recovery of pawn loan principal through sale of forfeited collateral → investing reconciliation: $358,661,000.00Dividends from unconsolidated affiliates → investing reconciliation: $3,929,000.00investing reconciliation → Loans made: $948,262,000.00investing reconciliation → Acquisitions, net of cash acquired: $31,135,000.00investing reconciliation → Capital expenditures: $27,808,000.00investing reconciliation → Issuance of notes receivable: $9,000,000.00investing reconciliation → Investment in unconsolidated affiliate: $7,448,000.00Net cash used in financing activities → financing reconciliation: $164,160,000.00financing reconciliation → Payments on debt: $134,151,000.00financing reconciliation → Acquisition of non-controlling interest: $14,313,000.00financing reconciliation → Purchase and retirement of treasury stock: $8,038,000.00financing reconciliation → Taxes paid related to net share settlement of equity awards: $6,347,000.00financing reconciliation → Payments of finance leases: $761,000.00financing reconciliation → Payment of contingent consideration: $550,000.00Net cash used in investing activities → investing reconciliation: $125,466,000.00Exchange-rate effect → Cash sources and uses: $1,223,000.00Beginning cash: Cash, cash equivalents, and restricted cash → Cash sources and uses: $484,713,000.00Net cash from operating activities → Cash sources and uses: $130,388,000.00Cash sources and uses → Ending cash: Cash, cash equivalents, and restricted cash: $326,698,000.00Cash sources and uses → Net cash used in investing activities: $125,466,000.00Cash sources and uses → Net cash used in financing activities: $164,160,000.00Net income: $132,382,000.00Net income+$132.38 MDepreciation and amortization: $27,994,000.00Depreciation & amortization+$27.99 MAmortization of deferred financing costs: $1,419,000.00Debt issuance cost amortization+$1.42 MNon-cash lease expense: $51,276,000.00Non-cash lease expense+$51.28 MDeferred income taxes: $1,000.00Deferred taxes & credits+$1.00 KOther adjustments: -$873,000.00Other non-cash items−$873.00 KProvision for inventory reserve: -$680,000.00Inventory reserve provision−$680.00 KStock compensation expense: $12,644,000.00Stock-based compensation+$12.64 MEquity in net income from investment in unconsolidated affiliates: -$4,884,000.00Equity-method results−$4.88 MGain from remeasurement of previously held equity interest: -$1,596,000.00Remeasured equity stake gain−$1.60 MPawn service charges receivable: -$2,697,000.00Pawn service charges receivable−$2.70 MInventory: -$15,471,000.00Merchandise inventories−$15.47 MPrepaid expenses, other current assets and other assets: $1,086,000.00Prepaid & other assets+$1.09 MAccounts payable, accrued expenses and other liabilities: -$70,766,000.00Payables & other liabilities−$70.77 MCustomer layaway deposits: $6,282,000.00Deferred revenue+$6.28 MIncome taxes: -$5,729,000.00Income taxes receivable−$5.73 MNet cash from operating activities: $130,388,000.00Operating cash+$130.39 MOperating adjustments reconciliation: $102,696,000.00Taxes paid related to net share settlement of equity awards: -$6,347,000.00Stock-award tax withholding−$6.35 MProceeds from issuance of debt: $0.00Debt issuance cost: $0.00Payments on debt: -$134,151,000.00Long-term debt repaid−$134.15 MPurchase and retirement of treasury stock: -$8,038,000.00Common stock repurchases−$8.04 MPayments of finance leases: -$761,000.00Finance lease payments−$761.00 KPayment of contingent consideration: -$550,000.00Contingent consideration paid−$550.00 KAcquisition of non-controlling interest: -$14,313,000.00Noncontrolling interest acquired−$14.31 MNet cash used in financing activities: -$164,160,000.00. Cash required to fund net payments.Financing cash−$164.16 Mfinancing reconciliation: $164,160,000.00Loans made: -$948,262,000.00Loans made−$948.26 MLoans repaid: $535,597,000.00Loan collections+$535.60 MRecovery of pawn loan principal through sale of forfeited collateral: $358,661,000.00Pawn loan recoveries via sales+$358.66 MCapital expenditures: -$27,808,000.00Capital expenditures−$27.81 MAcquisitions, net of cash acquired: -$31,135,000.00Acquisitions, net of cash−$31.14 MIssuance of notes receivable: -$9,000,000.00Notes receivable issued−$9.00 MProceeds of notes receivable: $0.00Investment in unconsolidated affiliate: -$7,448,000.00Investments in affiliates−$7.45 MDividends from unconsolidated affiliates: $3,929,000.00Equity-method return of capital+$3.93 MNet cash used in investing activities: -$125,466,000.00. Cash required to fund net payments.Investing cash−$125.47 Minvesting reconciliation: $1,023,653,000.00Cash sources and uses: $616,324,000.00Beginning cash: Cash, cash equivalents, and restricted cash: $484,713,000.00Beginning cash$484.71 MEnding cash: Cash, cash equivalents, and restricted cash: $326,698,000.00Ending cash$326.70 MExchange-rate effect: $1,223,000.00FX effect+$1.22 MCASH RECONCILIATIONOperatingflowsInvestingflowsFinancingflowsFree cash flow$102.58 MOperating cash − cash spent on productive assetsCash flow / Net income0.98×Operating cash flow ÷ net incomeNet cash change−$158.02 MEnding cash − beginning cash
Chart details

EZCORP, INC. cash flow reconciliation, Oct 1, 2025 through Jun 30, 2026

Cash flows for Oct 1, 2025 through Jun 30, 2026. Cash basis: Cash, cash equivalents, and restricted cash. Beginning cash: Sep 30, 2025. Ending cash: Jun 30, 2026. Beginning and ending cash are dated balances. Positive cash flows add cash; negative cash flows reduce it.

Beginning cash on Sep 30, 2025
484,713,000 US dollars. Beginning cash: Cash, cash equivalents, and restricted cash
Operating activities
130,388,000 US dollars. Net cash provided.
Net income
132,382,000 US dollars
Depreciation and amortization
27,994,000 US dollars
Amortization of deferred financing costs
1,419,000 US dollars
Non-cash lease expense
51,276,000 US dollars
Deferred income taxes
1,000 US dollars
Other adjustments
negative 873,000 US dollars
Provision for inventory reserve
negative 680,000 US dollars
Stock compensation expense
12,644,000 US dollars
Equity in net income from investment in unconsolidated affiliates
negative 4,884,000 US dollars
Gain from remeasurement of previously held equity interest
negative 1,596,000 US dollars
Pawn service charges receivable
negative 2,697,000 US dollars
Inventory
negative 15,471,000 US dollars
Prepaid expenses, other current assets and other assets
1,086,000 US dollars
Accounts payable, accrued expenses and other liabilities
negative 70,766,000 US dollars
Customer layaway deposits
6,282,000 US dollars
Income taxes
negative 5,729,000 US dollars
Investing activities
negative 125,466,000 US dollars. Net cash used.
Loans made
negative 948,262,000 US dollars
Loans repaid
535,597,000 US dollars
Recovery of pawn loan principal through sale of forfeited collateral
358,661,000 US dollars
Capital expenditures
negative 27,808,000 US dollars
Acquisitions, net of cash acquired
negative 31,135,000 US dollars
Issuance of notes receivable
negative 9,000,000 US dollars
Proceeds of notes receivable
0 US dollars
Investment in unconsolidated affiliate
negative 7,448,000 US dollars
Dividends from unconsolidated affiliates
3,929,000 US dollars
Financing activities
negative 164,160,000 US dollars. Net cash used.
Taxes paid related to net share settlement of equity awards
negative 6,347,000 US dollars
Proceeds from issuance of debt
0 US dollars
Debt issuance cost
0 US dollars
Payments on debt
negative 134,151,000 US dollars
Purchase and retirement of treasury stock
negative 8,038,000 US dollars
Payments of finance leases
negative 761,000 US dollars
Payment of contingent consideration
negative 550,000 US dollars
Acquisition of non-controlling interest
negative 14,313,000 US dollars
Operating adjustment reconciliation
102,696,000 US dollars. Intermediate calculation joining the operating reconciliation branches. Its gross amount includes any portion of net income routed through this junction. It is not an additional cash source or use.
financing gross reconciliation
164,160,000 US dollars. Gross amount at the activity's junction before offsetting its receipts and deductions. It is not an additional cash source or use.
investing gross reconciliation
1,023,653,000 US dollars. Gross amount at the activity's junction before offsetting its receipts and deductions. It is not an additional cash source or use.
Exchange-rate effect
1,223,000 US dollars
Ending cash on Jun 30, 2026
326,698,000 US dollars. Ending cash: Cash, cash equivalents, and restricted cash
Cash sources and uses
616,324,000 US dollars. Opening cash plus net sources, equal to net uses plus ending cash.
Net cash change
negative 158,015,000 US dollars. Ending cash minus beginning cash.
Cash flow / Net income
0.98×. Operating cash flow divided by reconciliation net income for the same period. Black from 0.90× through 1.10×; green above 1.10×; red below 0.90×. Color uses the unrounded ratio.
Operating cash flow
130,388,000 US dollars. Operating cash flow used in the free cash flow calculation.
cash spent on productive assets
27,808,000 US dollars. These cash purchases are already included in investing activities above.
Free cash flow
102,580,000 US dollars. A supplemental measure; finance-lease payments are excluded from this definition.

Chart connections

  • Beginning cash plus operating, investing and financing cash flows plus the exchange-rate effect equals ending cash. Negative amounts reduce cash.
  • Financing contributions meet at a reconciliation junction before connecting to the net cash total.
  • Investing contributions meet at a reconciliation junction before connecting to the net cash total.
  • Operating reconciliation adjustments are not all independent cash receipts.
  • Net income exceeds operating cash. The diagram allocates $130.39M of net income directly to operating cash and $1.99M to the adjustment junction, where it combines with other additions to reconcile deductions. This is an accounting presentation, not a tracing of cash receipts.
  • Each activity has one net cash bar connected to the shared cash pool. Positive activity totals enter the pool; negative activity totals leave the pool to fund that activity's net payments. The central pool does not assign a particular funding source to a particular payment.
  • The intermediate calculation bars include both sides of the displayed activity breakdowns; they are not additional cash flows.
  • Operating cash flow minus cash spent on productive assets equals free cash flow: 130,388,000 US dollars minus 27,808,000 US dollars equals 102,580,000 US dollars.
EZCORP, INC. (EZPW) FY2026 YTD Q3 Statement of Cash Flows Sankey chart
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